Credit Cards UnleashedFind the Right Credit Card For You

The iPhone has truly changed the way we use our cell phones. Not only you can play games, manage your tasks, get GPS directions, and make phone calls on your phone, but you can also accept credit cards right from your phone. That’s extremely useful for businesses which are more on the mobile side. Thankfully, there are plenty of credit card iPhone applications that let you manage your business on the go.

If you are looking for a a credit card iPhone application, here are 5 you should try:

ProcessAway Credit Card Terminal: one of the best credit card apps for iPhone. Let’s you authorize and capture charges, verify and hold funds, void holds, issue refunds, and do all kinds of things for your business on the go.

Billing- Credit Card Terminal: a premium credit card terminal application for iPhone that lets you enter transactions, manage your customers, and your business tax issues right on your phone. Read the rest of this entry »

It was inevitable. With all the rules that the government is putting in place, it was only a matter of time before credit card companies increased fees and introduced new fees to keep their businesses viable. First it was the interest rates that went up. And we are not talking about interest rates being increased only for those with a bad credit history. Even those with a great credit history have had their APR raised by their issuers.

Interest fees seem to be the first step in the process. Many experts claim that the next step in the process is the introduction of annual fees for most credit cards. With more regulations going into effect next year, it’s only a matter of time before things get even more tough for credit card owners.

The latest moves by credit card companies have certainly had a negative effect on consumers. According to surveys, satisfaction rate and consumer confidence have dropped significantly in the past few months. Let’s not forget that credit card companies have increased all kinds of fees, so if you happen to miss a payment or are late for one, you are going to see a large increase in your fees. Read the rest of this entry »

IdentityTruth is a VC-funded credit protection service that lets you monitor your credit information and prevent ID theft.  IdentityTruth protects you against breaches.  Whether you are the head of the FED or just a regular Joe, your identity can be stolen by identity thieves. IdentityTruth is a service that helps you stay on the top of your identity information 24/7. IdentityTruth manages fraud alerts on your personal credit profiles with the 3 major credit bureaus to help protect you against further criminal activities. It also removes your name from credit offer databases. And if you are worried about having your sensitive information leaked on the Internet, you are covered with IdentityTruth.

IdentityTruth ID Theft Protection Service Overview:

IdentityTruth protects you by:

• providing you with alerts notifying you of breaches, potential risks, offering “what’s next” advice.
• letting you know if someone is currently misusing your identity.
• alerting you about potential threats before you become an identity theft victim.
• providing fraud alerts on your credit history (all three bureaus) to help protect you against ID thieves.
• monitoring of your consumer credit report including alerts to critical changes and updates to your credit history.
• managing your online reputation.
• managing your junk mail and protecting you against bogus offers.
• giving you up to $2 M in insurance coverage.

Read the rest of this entry »

Playing the credit card game is not as easy as some want you to believe. Think about how many people have gotten in trouble by choosing the wrong credit cards, signing up for too many credit cards, or taking on more than they can possibly chew. Credit card companies may be hurting these days, but that doesn’t mean they are willing to do you any favors. These companies are in business to make a profit, and these trying times have made many of them raise interest on their customers and add additional fees.

The Skinny on Credit Cards, How to Master the Credit Card Game is a wonderful book that teaches you how to play the credit card game and perfect it. So what do I mean by that? In order to get the best out of your credit cards and master the game, you need to first know how to choose the right credit card. There are lots of credit card offers out there but not all of them are worth applying for. This book teaches you how you should go about applying for a new credit card. And if you already have a credit card, you are going to learn tips and tricks that help you lower your rates and increase your credit score over time. Read the rest of this entry »

Credit card companies are struggling to make a profit these days, and if you are a financially responsible person, you don’t want to put the burden of debt on your shoulders in these tough economic conditions. No one can argue that credit cards are convenient, but you can get the same convenience with prepaid credit cards such as FaceCard Prepaid MasterCard. These cards allow you to spend the money you own and don’t require you to have excellent credit. So you never end up in a debt that could ruin your life.

FaceCard Prepaid MasterCard® is a top debit card that lets you carry your money with you without relying on credit cards. That means you won’t have to deal with any interest rates or hidden balance transfer fees. Since the card is a MasterCard, you can use it anywhere MasterCards are accepted, which includes a large set of places.

What I like about FaceCard is the fact that there are not too many fees to deal with this card. Don’t get me wrong. There are still some fees. So make sure you know the facts. Read the rest of this entry »

If you have been following the news lately, you probably know that signing up for a new credit card can be costly these days. Many credit card issuers are introducing annual feels and jacking up rates on their customers to keep their profits up. President Obama and the Congress have been working hard to bring a new set of regulations to prevent credit card companies from engaging in deceptive practices, but as many industry experts have predicted, credit card companies will find a way to bend the rules and make more profits off their customers.

Don’t get me wrong. There are many good credit cards out there. Some companies are more ethical than others, but the whole culture of using credit cards to use the money you don’t have needs to change if this country is to get out of this recession. Thankfully, there are prepaid cards that lets you carry your money around without having to worry about spending the money that you don’t have. Prepaid credit cards are not credit cards really, but if you are just using your credit cards to pay on the go, why not use a prepaid card?

There are many prepaid credit cards on the market, but you do want to make sure you read the terms and conditions and check the fees before signing up for one. Afte all, you don’t want to end up spending more money on fees than things you want to buy. With that in mind, here are 3 prepaid cards that let you spend your money on the go without ending up in debt:

AccountNow Prepaid Visa® Card: a cool debit card that lets you carry up to $10,000 in cash. It does come with an annual fee but since this card is made for serious shoppers, that’s to be expected. You don’t need a minimum balance and no credit check is needed.

All Access® Visa® Prepaid Card: a debit card that does not come with an annual fee. The card will cost you $9.95 up front though. You’ve got to appreciate the security features of it.

SilverCard Prepaid MasterCard®: a wonderful card that lets you handle all your purchases with peace of mind. There is no credit check, and you get unlimited transactions, free account alerts, and no overdraft fees.

Prepaid credit cards are not credit cards, but for anyone who’s interested in living a financially responsible life, these cards are great convenience tools. And they won’t cost you too much either.

Your turn: what prepaid card are you currently using?

The credit card industry will never be the same with all the changes in regulations that are coming. But don’t think for a second companies won’t find a way to increase their profits. The cost of extending credit to consumers and businesses has gone a whole lot and card issuers have to change their terms in order to make more profit per customer. That’s why you can expect a letter of change in terms and conditions from your card issuer. The last thing you want to do is ignore that letter.

Curtis Arnold, one of the premiere experts on this topic, put it best when he said:

They’re going to find loopholes in the legislation… There’s no way you can cover every single potential consumer topic.

One of the biggest changes that is expected is the introduction of annual fees. Your card may not have an annual fee these days, but you can expect your card issuer to try and impose one on you. Of course, your card issuer can’t do that unless you miss the mandatory notice by your credit card company. You should also keep an eye out for the annual fee. A lot of people just pay their credit cards without even noticing those small fees. That’s the worst way to manage your credit cards.

There are going to be new fees, higher rates, and less rewards. And you are going to hear all about it from your credit card. So the next time you get a letter from your credit card company, make sure you read it. You may save yourself a whole lot of headache in the long run.

If you have been paying attention to the latest developments in the credit card industry, you know card issuers are not feeling too good about all the new legislation and pressures that the government is putting on them. There is no question that some credit card issuers have abused the system in the past. Credit card companies are out there to make a profit, and the tougher the government gets, the more ways they find to get around the rules. The latest move by the Obama administration to put a tighter regulation in place in the credit card market has card companies up in the arms. These folks have been making money off of those high fees and bogus charges for years. A consumer protection agency simply doesn’t make sense for them.

Don’t think for a second that card companies are ready to give up the fight. In fact, they are raising their fees on consumers and businesses to offset their losses. No wonder people can’t save money these days. The good news is the government is dedicated to putting a tighter set of regulations to prevent card issuers from engaging in deceptive business practices. The bad news is the rates are going up and many are going to find it difficult to get their hands on credit. The best approach at this point is to take care of your existing credit cards, and avoid getting into unfair relationships with credit card companies. These companies are hurting but don’t let them use you to build up their profits.

Escape by Discover® Card is the latest offering by the Discover Bank. In a time where credit card companies are hurting and discontinuing their offers, it’s good to know that there is a credit card issuer that is dedicated in providing credit to those seeking it. While many credit card issuers are struggling to stay afloat (e.g. Advanta), Discover is still going strong and Escape by Discover® Card indicates just that.

Escape by Discover® Card is a travel credit card that is designed to get you free miles for every purchase. You not only get 25,000 bonus months in your first 25 months, you also earn miles on all your purchases. You can redeem your points for travel or gift certificates.

Here is what you get with Escape by Discover® Card:

• Introductory APR: you get 0% APR for your first 6 on your purchases and balance transfers.
• 25,000 Bonus Miles: 1,000 Miles each month you make a purchase the first 25 months
• Unlimited Double Miles on all purchases: Earn 2 Miles for each dollar you spend on all purchases. Miles have no expiration date
• No Blackout: Book any travel, anytime with no blackout dates or restrictions
• Additional Miles: 2 additional Miles for every $1 you spend through ShopDiscover, our exclusive online shopping site
• Enhanced travel benefits
• Convenience: Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles
• $60 Annual Fee

You will have to pay $60 annual fee to get all these benefits. It’s not ideal, but you are getting a whole lot of rewards in return. The APR after the introductory period is set at 11.99% minimum. So you don’t want to park a lot of money on this card. Escape by Discover® Card is designed for those who are constantly on the go. If you are looking for a travel card that gives you rewards and flexibility, you should consider signing up for this card.

DISCLAIMER* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on credit card issuers website.

Have you ever wondered how some folks make thousands of dollars everyday just by borrowing money from credit cards? The concept of credit arbitrage is nothing new. Even though credit card companies have gotten tougher with folks who borrow a lot of money, you can still earn money from borrowing and investing in high-yield bonds or other investments.

How To Take Advantage of the People Who Are Trying To Take Advantage of You is one of the few books that teaches you how to get started with credit arbitrage. The author assumes that you are not that familiar with how credit cards work and teaches you what you need to keep in mind before on a hunt for arbitrage with credit cards.

As you can guess, there is more to credit card arbitrage than getting a bunch of credit cards and maxing them. The smallest details can determine how successful you are going to be with your credit arbitrage project. You need to know exactly how your credit score works, and what options you have as far as investments are concerned. It always pay to diversify your investments to protect yourself against unwanted risk. And you will need to have some money around to pay your bills on time (don’t forget you need to track your bills to avoid being late).

How To Take Advantage of the People Who Are Trying To Take Advantage of You walks you through every step of the process and teaches you where to invest and how to get the best out of your credit cards. It even shows you how to effectively track your accounts and deal with problems on the way. Credit card arbitrage is tougher these days, but it is still possible. You just have to play your cards right. Credit card companies may not like it, but it’s fair game.